Find the Right Coverage for Your Adventure in Germany
Germany is a top destination for travelers, offering something for everyone – from the lively Oktoberfest and enchanting Black Forest to majestic castles and vibrant cities. However, while the country is generally safe and welcoming, unexpected events can still disrupt your plans. For instance, a snowstorm might delay your flight out of Frankfurt, a hike in the Alps could result in an injury requiring medical care, or a missed train in Hamburg could throw off your itinerary.
That’s where travel insurance for Germany comes in. It provides essential protection to help you handle unforeseen challenges and enjoy your trip with peace of mind. In this article, we’ll help you choose the right coverage and show you how to stay prepared and protected every step of the way.
Germany is a top destination for travelers, offering something for everyone – from the lively Oktoberfest and enchanting Black Forest to majestic castles and vibrant cities. However, while the country is generally safe and welcoming, unexpected events can still disrupt your plans. For instance, a snowstorm might delay your flight out of Frankfurt, a hike in the Alps could result in an injury requiring medical care, or a missed train in Hamburg could throw off your itinerary.
That’s where travel insurance for Germany comes in. It provides essential protection to help you handle unforeseen challenges and enjoy your trip with peace of mind. In this article, we’ll help you choose the right coverage and show you how to stay prepared and protected every step of the way.
Do I Need Travel Insurance for Germany?
If you need a Schengen Visa to enter Germany, you must have travel insurance with a minimum coverage of €30,000. You must provide a certificate of coverage as part of your visa application.
Additionally, starting in 2026, the European Travel Information and Authorization System (ETIAS) will be in effect. This new requirement will apply to citizens of around 60 visa-exempt countries, including the United States, Canada, the UK, and Australia.
Travelers from these countries must apply for ETIAS authorization before visiting Germany or any other country in the Schengen Area.
Unlike the Schengen Visa, ETIAS does not require proof of travel coverage. However, it is still strongly advisable. Travel insurance for Germany helps protect you from unexpected costs related to medical emergencies, trip cancellations, or lost luggage.
Find the Best International Travel Insurance
- Get multiple quotes and coverage options
- Travel Medical, Trip Cancellation & more options available
- Find the best plan for your needs and budget
Without coverage, these expenses can add up quickly. Having coverage means you can travel with peace of mind, knowing you’re financially protected if something goes wrong.
Read More: Schengen Visa Insurance Requirements
Coverage for Common Risks in Germany
Germany offers a rich mix of cultural history, outdoor adventure, and vibrant festivals, making it a favorite destination for travelers. However, as with any trip, it's important to recognize the risks that come with these experiences.
Here are some common risks unique to traveling in Germany:
Injuries from Overindulgence or Accidents
Germany is famous for its beer gardens and Oktoberfest celebrations, but it’s easy to overindulge. This can lead to minor injuries, such as sprains or falls.
Whether you're hiking through the Bavarian Alps or walking on the cobblestone streets of historic cities like Heidelberg or Rothenburg ob der Tauber, accidents can happen. Travel medical insurance ensures you can get timely treatment without facing high out-of-pocket costs.
Driving Accidents on the Autobahn
Germany’s autobahn, known for its sections without speed limits, attracts many tourists looking for an exhilarating driving experience.
While thrilling, it also comes with risks, especially for those unfamiliar with local driving customs or traffic conditions. A good travel plan can cover medical expenses and car rental damage in the event of an accident.
Need roadside assistance? If you're driving on Germany’s highways or rural roads and run into trouble, dial ADAC’s emergency number at 22 22 22 (within Germany) for 24/7 roadside assistance, free towing, and minor repairs. Be sure to have your location details ready when you call!
Lost or Delayed Luggage
With thousands of travelers passing through Germany’s major airports and train stations, lost or delayed luggage is not uncommon. Whether you're heading to Berlin, Munich, or Frankfurt, coverage for lost baggage can help quickly replace your belongings, reducing the stress of travel disruptions.
Travel Delays and Cancellations
Severe weather or transportation strikes in Germany can lead to delays or cancellations of trains, flights, or other travel services. A policy with trip delay or cancellation coverage will reimburse you for additional expenses like meals, accommodation, and transportation if your travel plans are disrupted.
Adventurous Activities
Germany offers plenty of outdoor adventures, from skiing in the Bavarian Alps to exploring caves in the Harz Mountains. However, these activities often come with heightened risks. Standard travel plans may not cover high-risk activities, so consider adding an adventure sports rider to your policy if you plan to participate in these pursuits.
Terrorism and Civil Unrest
Although Germany is considered a safe destination, events like terrorism or civil unrest, though rare, can disrupt travel plans. Some policies offer coverage for such situations, ensuring you’re protected if your trip is canceled or if you require medical assistance.
Having travel insurance for Germany ensures you’re prepared for these unexpected situations. Whether you need medical care after a slip, assistance following a car accident, or coverage for lost luggage or delayed trains, the right policy helps prevent hefty out-of-pocket expenses. With the right coverage, you can relax and fully enjoy your trip knowing you’re protected.
Read More: Is Travel Insurance Worth It?
What Does Travel Insurance for Germany Cover?
Your coverage will depend on the type of plan you choose. Some offer basic medical protection, while others provide comprehensive coverage for a wide range of travel-related issues. In general, the more comprehensive the plan, the better protected you’ll be from unexpected expenses during your trip.
Most German travel plans include the following benefits:
- Travel Health Insurance – Covers medical expenses for doctor visits, hospital stays, and necessary medications while you're in Germany.
- Emergency Medical Evacuation – Covers the cost of transporting you to the nearest appropriate medical facility or back home if needed.
- Trip Cancellation or Interruption – This reimburses you for non-refundable costs if you need to cancel, interrupt, or delay your trip due to a covered reason (like illness, injury, or family emergencies).
- Lost, Stolen, or Delayed Luggage coverage – This helps pay to replace your belongings if your baggage is lost, stolen, or arrives significantly late.
- Travel Delay – Covers meals, accommodations, and transportation costs if your travel is delayed due to weather, airline issues, or other covered events.
- Repatriation of Remains – Covers the cost of returning your remains to your home country in the unfortunate event of death.
Read more about the benefits of travel insurance and how to choose the right plan in our article on Comprehensive Travel Insurance.
What’s Not Covered in German Travel Insurance?
It's important to know that even the most comprehensive travel insurance plans have exclusions and limitations. That’s why it’s essential to read the fine print carefully to understand exactly what is – and isn’t – covered.
Common exclusions include:
- Pre-existing medical conditions – For example, if you have a heart condition and need medical treatment during your trip, it may not be covered unless specifically included in your policy.
- Injuries from high-risk activities – If you plan to ski in the Bavarian Alps or try paragliding in the Black Forest, these activities may not be covered unless you add an adventure sports rider.
- Non-emergency medical treatments – For instance, cosmetic surgery or routine dental check-ups in Germany are typically not covered by most travel plans.
- Self-inflicted injuries – This includes injuries sustained from risky behavior, such as falling while attempting a challenging hike in the Harz Mountains.
- Incidents involving alcohol or drug use – If you’re involved in an accident after consuming alcohol at Oktoberfest in Munich or using drugs, your medical or liability expenses may not be covered.
- Losses resulting from illegal activities – If you're caught engaging in illegal activities, such as trespassing or using illegal substances, your losses won’t be covered.
Fortunately, many providers offer the option to customize your coverage with add-ons. Depending on your medical history and the activities you plan to do in Germany, it may be worthwhile to consider extra protection. This ensures you're financially secure, even in unexpected or extreme situations.
How Much is Travel Insurance for Germany?
The cost of a travel plan varies based on the plan and several factors, including your age, health, trip duration, and the level of coverage you need. Plans range from basic medical coverage to more comprehensive packages that also include travel-related protections.
For instance, a 25-year-old traveling from the U.S. to Germany for seven days can expect to pay between $5 and $15 for a travel medical plan, depending on their selected coverage limits and deductible.
However, a 45-year-old might pay between $8 and $27 for the same coverage, while a 65-year-old could pay between $20 and $50 due to increased health risks, which raise the premium.
When comparing travel insurance plans, it's important to consider more than just the premium (the upfront cost). Be sure to also review potential additional fees, such as:
- Deductibles: The amount you pay out-of-pocket before your insurance coverage kicks in.
- Co-pays: A fixed fee you may have to pay for certain services, like visiting a doctor.
- Covered Services: Many plans cover emergency medical expenses, evacuation, baggage loss, and flight delays. Make sure your plan includes the coverage that’s most important to you.
It’s essential to understand that certain services might still incur additional fees even if you have insurance. Be sure to read the fine print to know exactly what’s covered, what’s not, and any out-of-pocket costs you’ll be responsible for.
Want to save money? Consider choosing a higher deductible and slightly lower coverage levels. By customizing your plan, you can find the right balance between cost and protection to suit your needs. Be sure to shop around and compare options to find the best plan for both your budget and coverage requirements!
How to Choose the Right Travel Insurance for Germany
You can tailor your travel plan to suit your specific needs. Here are some key factors to consider when choosing a policy:
- Assess Health Needs: Healthcare costs in Germany can be high, so make sure your plan provides at least basic medical coverage. If you have a pre-existing condition, check whether you need additional coverage.
- Consider Activities: Are you planning to test drive a high-speed sports car or go mountain climbing in the Alps? Be sure to add an adventure sports rider to your policy for coverage during high-risk activities.
- Trip Length: The longer your trip, the more comprehensive your medical or trip cancellation coverage should be. Extended stays may require higher levels of protection.
- Destination-Specific Risks: Germany can experience severe weather events, and while rare, terrorist attacks are also a risk. Ensure your plan includes coverage for these potential disruptions.
- Understand Coverage Limits: Carefully review your policy to know what’s covered and any out-of-pocket expenses you may face. Take the time to compare different plans and select the one that best fits your needs.
The Best Travel Insurance for Germany
Below are our top travel plans recommendations for Germany, each tailored to cover various needs – from medical emergencies to trip protection.
The Best Travel Health Insurance for Germany
The Atlas Travel Insurance plan is a flexible and affordable option for visitors to Germany. It covers extreme sports and emergency evacuation for activities such as skiing in the Bavarian Alps, hiking in the Harz Mountains, and exploring the caves in the Swabian Jura.
Atlas Travel Insurance
- Emergency medical, evacuation, repatriation benefits
- Choose between the basic and more extensive coverage
- Meets Schengen visa insurance requirements
- 24/7 worldwide travel and emergency medical assistance
Additionally, it meets Schengen visa insurance requirements, ensuring you’re covered for any medical emergencies or travel disruptions during your stay in Germany.
Meanwhile, GeoBlue's Voyager Travel Insurance plan is an excellent choice for U.S. citizens visiting Germany. Affiliated with Blue Cross Blue Shield, it provides access to a premium network of doctors and hospitals worldwide.
GeoBlue Voyager Plan
- For U.S. citizens up to age 95
- Includes pregnancy coverage, baggage loss, trip interruption & more
- 24/7/365 service and assistance
GeoBlue also offers 24/7 customer support, telemedicine services, and prescription drug coverage. It's especially recommended for older U.S. citizens, as it offers the highest level of coverage for seniors traveling abroad.
The Best Trip Cancellation Insurance for Germany
Trawick Safe Travels AnyReason offers U.S. citizens and residents flexibility and financial protection against unexpected trip changes.
Safe Travels AnyReason
- Available to US residents traveling within the United States and abroad
- 100% Trip Cancellation and Trip Interruption Coverage
- Emergency Evacuation and Repatriation
- 75% of Cancel for Any Reason (CFAR) is included within 7 days of trip deposit
This plan includes a Cancel for Any Reason (CFAR) benefit at no additional cost, reimbursing up to 75% of prepaid, non-refundable trip expenses if you need to cancel for reasons outside the standard covered events.
World Nomads Travel Insurance is a great choice for non-U.S. citizens seeking trip cancellation coverage. It covers non-refundable expenses like flights, accommodations, and prepaid activities.
World Nomads Travel Insurance for Trip Cancellation
- Trip cancellation and interruption benefits included
- Emergency medical transport and repatriation
- Baggage and gear cover
- Optional Cancel For Any Reason (CFAR) coverage available for U.S. citizens/residents (Explorer and Epic Plans)
In addition to trip cancellation, World Nomads provides coverage for over 200 adventure activities, emergency medical expenses, evacuation and repatriation, as well as protection against lost or stolen baggage and personal belongings.
Medical Preparation for Travel to Germany
While you're planning to explore iconic sites like Neuschwanstein Castle or cruise along the Rhine River, it’s equally important to consider your medical preparations:
- Visit Your Doctor: Schedule a pre-trip appointment to ensure you're up-to-date on essential vaccinations and to get enough of any prescriptions you'll need while traveling. Use this time to discuss any health concerns that may need special attention while abroad.
- Understand Germany's Healthcare System: The German healthcare system is one of the best in the world and is known for its high quality and efficiency. Visitors often choose private clinics for shorter wait times and additional comfort, though public facilities are just as reliable. Emergency medical services are also well-equipped to handle urgent situations.
- Health Insurance Considerations: Germany’s healthcare system does not cover international visitors, so it’s highly recommended to have travel health insurance that includes emergency medical care, repatriation, and evacuation. Look for a plan that also covers unexpected issues like trip cancellations or delays.
- Know the Location of Local Pharmacies and Hospitals: Familiarize yourself with the nearest pharmacy or hospital to where you'll be staying. Pharmacies (Apotheke) are common in German towns and cities, and many offer advice and over-the-counter remedies for minor ailments. Knowing your nearest hospital can be crucial in case of an emergency.
- Vaccinations and Health Risks: Germany doesn’t require specific vaccinations for entry, but the World Health Organization (WHO) recommends staying current on routine vaccines like MMR and DTP. If you plan to visit rural or wooded areas – especially in Bavaria or Baden-Württemberg – consult your doctor about the tick-borne encephalitis (TBE) vaccine, as ticks pose a risk in warmer months.
Read More: Vaccine Requirements for Traveling Abroad
Bringing Medications into Germany
Visitors can bring medications, but there are some restrictions:
- Prescriptions: Keep medications in their original packaging with your name on the container, and carry a copy of the prescription.
- Restricted Medications: Some medications, like anxiety pills, sleeping aids, and ADHD medications, may be restricted or banned in Germany. Check before traveling to ensure you comply with regulations.
- Consult Customs: Visit the official German Customs website to see if your medication requires special documentation or is prohibited.
Accessing Medical Care in Germany for Visitors
Germany offers high-quality medical care at both public and private facilities, but treatment can be costly without insurance, so it’s vital to have travel health coverage to protect against unexpected medical bills.
Hospitals in Germany are modern, and most locations offer specialized treatments. Check with your insurer for a list of covered hospitals in your destination area and consider telehealth options or translation services if needed.
Travel Warnings and Alerts for Germany
It's important to stay informed about potential risks during your travels. Here are some sources for up-to-date travel advisory alerts:
- US Department of State: Official travel advisory page for Germany
- Australian Government Smartraveller: Safety and security information for travelers to Germany
- Gov.UK Foreign Travel Advice: Travel advice for UK citizens
- Canada's Travel Advisory: Comprehensive travel advisory page for Canadians
- Singapore Ministry of Foreign Affairs: Travel advisories and safety tips for Singaporean travelers
Read More: A Guide to Travel Advisories, Warnings, and Alerts
Emergency Contact Information for Germany
It’s easy to overlook emergency planning when preparing for a trip, but knowing how to get help abroad is essential. Familiarizing yourself with Germany’s emergency phone numbers ensures you can act quickly and confidently if something goes wrong.
Emergency Assistance Numbers in Germany
- General Emergency (Fire, Medical, Police): 112
- Police (Direct Line): 110
- Non-Emergency Medical Services: 116 117
- Police (Non-Emergency Inquiries): 0800 6 888 000
Embassy Phone Numbers in Germany
If you need help from your home embassy while traveling in Germany, dial the number below:
- Canadian Embassy: +49 30 203 120
- UK Embassy: +49 30 204 570
- French Embassy: +49 30 590 039 000
- Australian Embassy: +49 30 880 0880
- New Zealand Embassy: +49 30 206 210
7 Safety Tips for Visiting Germany
Visitors often ask, "Is Germany a safe country?" The answer is generally yes. Germany is a safe destination for travelers worldwide and consistently ranks highly in global safety metrics.
In fact, the country ranked 20th out of 163 countries in the 2024 Global Peace Index, which evaluates safety, security, and societal stability.
That said, as with any trip abroad, it's always a good idea to take a few precautions. Whether you're a student on a budget or a retiree with extra spending money, these travel safety tips will help you stay alert, avoid unnecessary risks, and make the most of your German adventure.
1. Watch Out for Pickpockets
While violent crime is uncommon in Germany, petty street crime like pickpocketing can still be a concern. Distracted tourists and unattended bags or wallets are prime targets for thieves, particularly near popular tourist attractions and on public transportation.
Travel Tip: Be vigilant in crowded areas and watch your belongings. When using public transport or visiting busy areas, always store your wallet, phone, and other valuables in a secure, zipped bag. Consider using an anti-theft backpack or money belt to keep your items close and out of sight. Never leave your bag unattended or in easy-to-reach places like the back of a chair or the seat next to you.
Save with discounted travel cards If you’re planning to use public transit, consider purchasing a discounted card for tourists or frequent riders. For example, Berlin offers the WelcomeCard, which provides unlimited rides and discounts on attractions, while Munich has the CityTourCard, which offers similar benefits.
2. Take Precautions in Alpine Areas
Outdoor activities like mountain hiking, skiing, biking, and climbing are popular in Germany's Alpine regions, but they can lead to injuries if safety measures are not followed. To minimize risks, make sure you have the correct gear and avoid going off the trail.
Travel Tip: Keep in mind that weather conditions in mountainous areas can change quickly. Avalanches and landslides are significant hazards, especially during certain seasons. Always check the weather forecast before setting off on your alpine adventure.
3. Protect Yourself from Ticks
Ticks are common in rural and wooded areas, particularly in the warmer months. They can carry diseases like Lyme disease and tick-borne encephalitis (TBE), which can be a risk if you’re exploring outdoor areas. To minimize exposure, wear long sleeves, pants, and closed shoes, and tuck your pants into your socks.
Travel Tip: Use insect repellent on exposed skin and clothing, and stay on marked trails to reduce the chance of encountering ticks. After hiking or spending time in rural areas, do a thorough tick check, especially in areas like Bavaria and Baden-Württemberg, where ticks are more prevalent. If you find a tick, remove it carefully with tweezers and disinfect the area.
4. Be Mindful of Wildlife
Exploring the German Alps is a rewarding experience, with well-maintained trails and stunning scenery. However, the region is also home to wildlife such as wild boars, bears, and wolves. Encounters are rare, but it’s important to stay aware of your surroundings and avoid disturbing any animals you may encounter.
Travel Tip: Keep a safe distance if you spot wildlife and never attempt to feed or approach animals. Stick to marked trails and make noise while hiking to avoid surprising animals, especially in dense forested areas.
5. Be Aware of Scams
Germany is a popular destination, which means it also attracts its share of scams targeting unsuspecting tourists. Some of these scams are simple, like taxi drivers who "forget" to turn on the meter or overcharge for short rides. Others, such as online dating scams, can be more elaborate and time-consuming. Knowing about common scams can help you avoid falling victim.
Travel Tip: Research common scams in the region you’re visiting. In large cities like Berlin and Munich, stay alert around people asking for donations, offering unsolicited help, or trying to distract you with a performance or a clipboard. If something feels off, trust your instincts and walk away.
Read More: 10 Common Travel Scams to Avoid Abroad
6. Pay Attention to the Weather
Germany experiences a variety of extreme weather conditions depending on the region and season. Flooding can affect areas along the Rhine and Danube, blizzards are common near ski resorts, and central Germany has seen more frequent heat waves and droughts in recent years. Sudden weather changes, particularly in alpine areas, can also pose risks.
Travel Tip: Stay informed by checking local weather updates and alerts. If you're heading into areas prone to extreme conditions, like flood zones or mountain regions, always follow safety instructions and have a backup plan in case of disruption.
7. Avoid Demonstrations and Large Crowds
Political protests and public demonstrations are relatively common in Germany, particularly in major cities. While many are peaceful, crowds can quickly become unpredictable and may attract counter-protests or even pose a security risk. Large gatherings can also be potential targets for terrorism, though such incidents are rare.
Travel Tip: Stay informed through local news and government travel advisories. If you come across a demonstration, avoid engaging and leave the area calmly. Be extra cautious in crowded areas and always follow instructions from local authorities.
Whether you're dreaming of fairy-tale castles, hiking the Bavarian Alps, or immersing yourself in the vibrant culture of cities like Berlin and Munich, Germany offers something for every kind of traveler. It’s a destination where history meets innovation, and every corner offers a new story to uncover.
From solo adventurers and families to retirees and students, travelers of all ages and backgrounds are discovering the richness of Germany. And while every journey is different, one thing stays the same: the need to feel secure while you're away from home.
Find the Best International Travel Insurance
- Get multiple quotes and coverage options
- Travel Medical, Trip Cancellation & more options available
- Find the best plan for your needs and budget
Travel insurance ensures that you’re covered for the unexpected – whether it’s a medical emergency, lost baggage, or trip delays. With the right plan, you can enjoy everything from scenic train rides to luxury car tours and decadent Black Forest cake without worry.
So why leave peace of mind to chance? Explore our travel plans and get a free quote today – your German adventure awaits!
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Author: Elizabeth Baugh is a content editor at International Citizens Insurance. She is writer specializing in education, travel, health, and wellness topics. With over a decade of international living and travel experience, Elizabeth is an expert in the realms of international travel, moving abroad, insurance, and immigration.